When the credit markets were nearly "frozen" in the Fall of 2008,Morgan Stanley converted its charter to become a commercial bankfrom an investment bank in order to:(A) reduce the regulatory requirements imposed on it while gainingeasier access to funds.(B) gain investor confidence and greater access to funds, despite thefact that it increased the regulatory requirements imposed on it.(C) gain investor confidence even though it would make it moredifficult for them to raise funds and it would increase the regu-latory requirements on it.(D) reduce the regulatory requirements imposed on it, despite thefact that it would make it more difficult to raise funds.